The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$49,346
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,881
−HK$1,559/mo
Today · 4.125%
HK$52,440
baseline
▲ 0.50% · 4.625%
HK$55,631
+HK$3,191/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,880/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$914,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,896
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,369
−HK$1,493/mo
Today · 4.125%
HK$57,862
baseline
▲ 0.50% · 4.625%
HK$60,912
+HK$3,050/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,724/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$914,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,215
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,057
−HK$1,871/mo
Today · 4.125%
HK$62,928
baseline
▲ 0.50% · 4.625%
HK$66,757
+HK$3,829/mo
Deposit HK$8.66M · loan HK$12.98M · min. income ≈ HK$125,856/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,876
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,643
−HK$1,792/mo
Today · 4.125%
HK$69,435
baseline
▲ 0.50% · 4.625%
HK$73,095
+HK$3,660/mo
Deposit HK$8.66M · loan HK$12.98M · min. income ≈ HK$138,870/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,084
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,233
−HK$2,183/mo
Today · 4.125%
HK$73,416
baseline
▲ 0.50% · 4.625%
HK$77,883
+HK$4,467/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,832/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,855
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,916
−HK$2,091/mo
Today · 4.125%
HK$81,007
baseline
▲ 0.50% · 4.625%
HK$85,277
+HK$4,270/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$162,014/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,822
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,585
−HK$2,807/mo
Today · 4.125%
HK$94,392
baseline
▲ 0.50% · 4.625%
HK$100,136
+HK$5,744/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$188,784/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,814
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,464
−HK$2,688/mo
Today · 4.125%
HK$104,152
baseline
▲ 0.50% · 4.625%
HK$109,642
+HK$5,490/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$208,304/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,038 · Scale 2, in force from 26 Feb 2026)